In this service agreement the words “we,” “us,” “PCU” or the
“Credit Union” refers to the PREMIER CREDIT UNION; the words
“you” and “your” refer to the member/consumer (and joint
account holder, if any); the words “Visa Check Card” refers to
the PCU combination ATM/Debit access card. “Disclosure
Statement” refers to the Electronic Fund Transfers initial
Disclosure Statement. This Agreement sets forth the terms and
conditions for the use of your PCU VISA CHECK CARD AND
PERSONAL IDENTIFICATION NUMBER (PIN). By using your PCU
isa Check Card, you agree to the terms and conditions of this
Agreement and accompanying Disclosure Statement.

1. VISA CHECK CARD: The VISA CHECK CARD
of the Credit Union and is subject to revocation at any time. It
must be returned to us by you upon request. You agree that you
will be the only one to use the VISA CHECK CARD and PIN either
direct or indirectly at any time.

2. PERSONAL IDENTIFICATION NUMBER (PIN).
The Credit Union will issue to you, under separate mailing, a
PERSONAL IDENTIFICATION NUMBER to be used with your VISA
CHECK CARD. You agree not to write your PERSONAL
IDENTIFICATION NUMBER on your VISA CHECK CARD and not
carry your PERSONAL IDENTIFICATION NUMBER with you at the
same time as you carry your VISA CHECK CARD. You agree to
use your best efforts to commit your PERSONAL IDENTIFICATION
NUMBER to memory.

3. AUTHORIZATION.
We will treat each transaction made at any automated terminal
involving your VISA CHECK CARD and your PIN as have been
made or authorized by you. If the account to which the VISA
CHECK CARD related is a joint account, all those transactions will
be binding on all parties to the account.

4. WITHDRAWALS.
ou agree that you will not use your VISA CHECK CARD to
withdraw amounts of money in excess of your balance(s). In the
event that you do withdraw amounts of money in excess of the
balance(s) in your account(s), you hereby agree to authorize the
Credit Union to debit any of your accounts not so overdrawn and
thereby cover your unauthorized withdrawal with the exception
of IRA and CD accounts.

5. RECEIPTS.
Cash withdrawals over $15.00 made with your VISA CHECK CARD shall be evidenced by a document created electronically at the time of the withdrawal and you agree that any such cash withdrawal shall constitute a valid charge against your account.

6. DEPOSITS.
If there is a discrepancy between the amount we find at an
automated terminal in your deposit envelope and the amount you
state as being the amount found in the deposit, we will credit you
with the amount found in the deposit envelope. Deposits can be
made at terminals outside of the State of Illinois as long as the
terminal displays a MAC or STAR logo.

7. CANCELLATION.
You shall have the right to cancel your VISA CHECK CARD and
PERSONAL IDENTIFICATION NUMBER (PIN) at any time upon giving us written notice of such intention and by returning to us your VISA CHECK CARD.

8. CREDIT INFORMATION.
You authorize the Credit Union to obtain such credit information
relating to you as we deem necessary in order to carry out the
items of this VISA CHECK CARD agreement.

9. SERVICE FEES.
By application for and/or use of the VISA CHECK CARD/ATM
CARD, you shall be subject to service fees in accordance with fee
schedules adopted by the Credit Union from time to time. Fees
will not be refunded due to cancellation or other reasons. A fee
schedule may be obtained upon request. You hereby authorize the
Credit Union to debit any of your accounts, with the exception of
IRA and CD accounts, to cover any or all of such fees and charges.

10. DISCLOSURE NOTICE.
You acknowledge receipt of a copy of this service agreement and
a copy of the notice of terms and conditions pursuant to the
Federal Electronic Fund Transfer Act. Your liability for
unauthorized transactions are set forth in this notice. Limitations
on our liability are also set forth in this notice.

11. RELATED ACCOUNTS.
This agreement will be subject to the agreement and rules and
regulations covering the account(s) to which your VISA CHECK
CARD relates.

12. CONTINUED EFFECTIVENESS.
If any terms of this agreement are determined by a government
authority to be ineffective, the rest will continue in effect. A
waiver by the Credit Union of any of these terms or conditions on
any occasion will not constitute a waiver of the same or any
other terms and conditions on any other occasion.

13. ILLINOIS LAW.
This agreement is made in Illinois and its validity, construction,
enforcement, and all matters arising out of the issuance and use
of the card shall be governed by the laws of Illinois. The Credit
Union may amend this agreement from time to time by giving you
21 days advance written notice of such amendment at your last
known address.

14. EXCHANGE RATE - INTERNATIONAL PURCHASES
VISA states that the exchange rate between the transaction currency and the billing currency used for processing international transactions is the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer.